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Based upon its research, outreach, and analysis of available data, the Bureau is proposing to identify such practices with respect to two categories of loans to which the Bureau proposes to apply this rule: Consumer loans that have a duration of 45 days or less; and consumer loans that have a duration of more than 45 days that have a total cost of credit above a certain threshold and that are either secured by the consumer's motor vehicle, as set forth in proposed § 1041.
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The Traditional Student Loan Annual Percentage Rate (APR) assumes that you will be in school for four years and have a six-month grace period before repayment begins.
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